The greater concern that cannot be overlooked, however, is the one that involves calculating the cost of NOT filing. In the end, those Federal and Postal employees who must consider filing for Federal Disability Retirement benefits have three fundamental options: Stay put; resign and do nothing (or wait for termination/separation proceedings to occur, which amounts to the same thing); or file for Federal Disability Retirement benefits under FERS.

The benefit of a Federal Disability Retirement annuity is quite simply calculated as 60% of the average of one’s highest three consecutive years of service for the first year (offset by 100% of any Social Security Disability benefits received during the concurrent payments received) and 40% of the average every year thereafter (offset by 60% of any Social Security Disability payments received during those years), until age 62, at which point the Federal Disability annuity is recalculated as “regular retirement” based upon the total number of years of Federal Service, including the time that the disability retiree has been on Federal Disability Retirement.

Thus, the “greater” benefit in calculating the cost has to take into account the fact that one is actually “building up” one’s own retirement by the years one stays on disability retirement — for, those very years that you are receiving a disability retirement annuity count towards the total number of years of Federal Service when it is recalculated as “regular” retirement at the age of 62.

Yes, it is true that on the cost/benefit ledger that one should review before filing for Federal Disability Retirement benefits, you need to take into account the lesser income and the lengthy bureaucratic process that must be engaged, but you should also never forget what the originating basis for considering such filing compelled the consideration in the first place: Your health.

Calculating the cost of filing for Federal Disability Retirement benefits too often places the emphasis on what is lost — in terms of monetary gain and loss, etc. But in calculating the cost of filing an effective Federal Disability Retirement application, to be submitted and considered to and by the U.S. Office of Personnel Management, the primary issue involves one’s deteriorating health and whether you can continue to remain in a job which has clearly become inconsistent with the medical conditions one is suffering from.

In the end, calculating the cost must go beyond the lessening of income; it must calculate the cost of one’s health, which is the single greatest asset one possesses.

It is probably the single most difficult thing to do in life, and its inability reflects upon the abysmal state of education, both higher and lower. The manner in which education is perpetuated – where “right answers” receive accolades and admitting of defeat merely alters the pecking order of who is admired and who are relegated to the detritus of human society – merely reinforces the greater loss of empathy, the destruction of civility and the coarsening of society.

Facebook, too, merely perpetuates the focus upon destroying an opponent and quieting any voices that may provide a quiet revolution, as alternate voices are silenced into submission by mere meanness of bombardment and repetition. Some would applaud this all-too Darwinian approach as merely reinforcing the innate nature of “survival of the fittest” – for, admitting defeat is tantamount to revealing weakness, and the weak are mere fodder for the strong and stronger.

Whether in argumentation of discourse or fighting battles, wars – real or virtual – or verbal encounters characterized as harmless skirmishes on the Internet, it matters not anymore the manner in which one prevails, only that one does reach the apex of any endeavor, profession or undertaking.

Once upon a time, there were some rules of engagement – of a civil discourse where debates were conducted in quiet tones and respectful venues, and where humility called for admission of recognizing the greater argument which results in establishing the goal for the greater good. Now, it matters not the means; for the end justifies the means and if you can shout down the opponent, lie about the facts and cheat around the strategy, it is the winner who is looked up to and the victor who walks away with the spoils.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal positional duties, it may be that the best way to avoid admitting defeat is to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, but somehow one’s priorities have become skewered in this obsessive-world where admitting a medical condition is tantamount to admitting defeat, as opposed to merely recognizing the limits of human endurance and the frailty of the human condition.

Fortunately, the rules governing Federal Disability Retirement benefits allow for the Federal or Postal employee receiving Federal Disability Retirement benefits to go out into the private sector, or even into the state or local government, and work at another job or vocation and make up to 80% of what one’s Federal Government or Postal job currently pays, and thus, to that extent, obtaining a Federal Disability Retirement annuity is not considered admitting defeat, but merely a change of venue in the pathways of life’s complexities throughout.

Some say that dogs don’t do it, but dog-lovers know better. Cats certainly do, but with a slyness that betrays sincerity; and chimpanzees, hippopotamuses and elephants. Birds cannot because of the rigidity of their beaks; and squirrels, certainly, with their flitting movements as they run joyfully across lawns and up treetops where nuts galore await their anticipation of delight. But of human beings; we all engage it, but whether with sincerity or to conceal, that is always a question that needs pondering.

The eyes often tell all; as Plato and others have described it in metaphorical terms, the window to one’s soul; and so one may walk about and force upon the watching world the curl around one’s lips, but the vacant stares or the look of pain, the distant eyes that betray the insincerity of the smile will often manifest the anomaly of what the expression means.

Only human beings can portray the opposite of that which is natural. For, with animals (and yes, that includes dogs, as well, despite what the so-called “experts” say) the smile is just that – an expression of the facial features that impresses upon the world that happiness, contentment and a tummy rub (i.e., for dogs) produces the effect that naturally comes about – the smile.

For humans, however, it may be to conceal; of the smile that says to the world, yes, I am happy by all appearances, so leave me alone and allow me to wallow in my own secretive misery. Or, the expression on the face that curls the lips just before the smiling face stabs one in the back. Or, in a group of people where everyone is talking and smiling, you spot across the room the person who is also smiling, but still you wonder, for the eyes don’t quite match the curling expression.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of the Federal or Postal job and position, the smile that conceals is often the one that is worn day in and day out – to conceal the pain, to hide the truth, to cover the anguish.

One cannot be genuine and continue on in life if the inner turmoil does not match the outer reality of life’s living. It may be time to prepare an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, if only to have the smile on one’s face return where the genuineness of the expression matches the reality of one’s situation.

Posted on September 28, 2016 by Federal Disability Retirement Attorney

It is a familiar refrain to note that everyone has a self-contained “private hell”; and an even greater understanding that it is well that such thoughts of other hells are both private, and for the most part, left silent without conveyance or communication. But that is changing, in large part, because people believe that mass dissemination of information has now unleashed any unspoken decorum of dignified discretion.

We believe, now, that everyone should “tell all”; that private matters once left as remnants of shameful self-confessions should be publicized because it is healthy for the inner soul to be uncovered. But if that were really true, wouldn’t utopia have descended upon the Western World by now?

Revolutionary experimentation is often a good thing – at least, in limited dosages of consumable quantities with tolerable levels of tenacity. But the mass acceleration of unlimited informational discharges, as evidenced by the Internet, Smartphone usage and widespread hacking and release of information of such great quantities that we cannot even begin to sift through the volume, has resulted in less, than more. Is it because of the consumer age of technological advancement in which we all presume that “more” equates to “better”?

Once upon a time, in the quietude of an asceticism viewed with reflective consternation, the serious young individual considered shame, hesitation and discretion of public pronouncement; now, however, we have lost faith, abandoned decorum, and relinquished sovereignty, such that we have sold our souls for a mere pittance in return.

We can “tell all” so that expiation of sins once reserved for Dante’s circle of hell could be replaced with and substituted for a therapeutic society which never quite treats effective, rarely cures and always costs. The cost of what we have given up never returns that which we have invested, and what was once sacrosanct is now mere fodder for comedians and irreverence for late night chatter and laughter of the belly-aching kind.

Somehow, private hells no longer exist; instead, they end up being confessed on a daytime show by a host who is deemed to be a doctor, but of what kind, we are never told. Private hells imply two consonants of behavioral conflicts: of a secret and limited access of information (privacy) combined with a torment unimagined and unfelt by others (hell). Does the former (privacy) exacerbate the latter (hell), such that there is therapeutic value in publicizing that which is private, which would then allow for hell to become transformed into heaven?

We tend to believe so, and this generation of modernity has begun the journey down that path without any empirical evidence to support its belief-system. Whether it will work, or not, time will tell. For the time being, however, the private hells which consume the islands of individuals will result in the devastation of souls and psyches, as it has throughout the history of mankind.

For Federal employees and U.S. Postal workers who endure through such private hells, suffering from a medical condition only exponentially creates a greater hell than the earthly one which most people already experience. Filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is a means to an end.

The means is the administrative process of preparing, formulating and filing an effective Federal Disability Retirement application. The “ends” will come about in order to escape that private hell, which is the slice of heavenly gratuity we are given with the birth of an unasked-for life, impeded by uncalled-for harassment, by unapproachable supervisors and managers unabashedly unconscious of the private hells they themselves have created.

Posted on September 17, 2016 by Federal Disability Retirement Attorney

(It is the parenthetical previous statement that ultimately matters, left blank to be completed, and never to be presumed). Actions of finality, or seemingly so, tend to create an aura of despair and angst. Once, in a world where purpose was never questioned, and the teleological end of man never brought forth the hint of doubt, the cohesiveness of society’s resolve was never a pause. It is the modernity of hesitation, trepidation and loss of judgment that brings us to the pit of incessant questioning, as opposed to “doing”. This is a maddening world, where the rise of Existentialism and post-modern impotence leaves us to seek therapy at every turn.

What we do in our lives before that terminal event; what dreams we once possessed before the souring of cynicism overwhelmed us; and of those lazy summer nights when the dancing illumination of fireflies dotted the canvas of a blackened void, when thoughts would drift beyond the mere mediocrities of present lives, current circumstances and seemingly unassailable realities which constrained, restricted and limited the dreams shattered by the reality of our travails; it was then that a glimmer of hope, an expectation of possibility, and a hint of potentiality yet unrealized, would creep into the essence of our souls.

Fairytales matter, because youth cannot survive another day without some fantasy of hope; and doors left unopened and locked with the resolve of “forever” will only diminish and destroy, where the need for tomorrow yet shouts in a rashness of desire. To shut the pathway to dreams or to construct obstacles for the mere sake of obstruction is to strangle that parenthetical gleam of light yet unextinguished and to betray the angels who look down upon us with the remnants of wings to be unfurled, in hopes of fluttering to pass by with a smile.

Perhaps, one day, there will still be such follies to believe in. For now, there is only the toil of daily grind, and thus are we left with the question implicit in the statement: And then we die.

In Muriel Barbery’s work, The Elegance of the Hedgehog, a youthful life of advantage but of seeming meaninglessness is traded with an older woman’s upward trajectory once lost in the anonymity of class distinctions, and the theme throughout encompasses the essence of a life’s worth. We all want to embrace meaning and value in the life which has been given; have we fulfilled our potential? Did the dreams we once possessed, handed to us like jewels on a plate of limitless infinity, become realized, or was it a wasted phantasm like a handful of sand squeezed and escaping through the crevices of our closed fists?

For Federal employees and U.S. Postal workers who are considering filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, the questions garnered by thoughts of future insecurity are natural and plentiful. It is, in many ways, similar to the refrain repeated herein: And then we die.

Once a Federal Disability Retirement application is approved, and the Federal or Postal employee is separated from the Federal agency or the U.S. Postal Service, one wonders: Was my work of any lasting value? Did I leave an imprint upon the shifting sands of a prior existence? Did I make a difference?

But those questions should be cast aside and left behind, and instead, it is still the future of one’s unfinished work that should always be focused upon, and preparing an effective Federal Disability Retirement application, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is to continue the narrative in working upon that familiar refrain, that the future still promises a fulfillment of unfinished potentiality, and the unmarked grave need not be one which is unvisited even in the twilight of our lives.

It is always that minor impurity which devalues the whole; “but for” the element identified as an invasive component, the rest would constitute the purity of perfections. It is how we point fingers and bemoan the state of our own affairs; and how we make of a peripheral inconsequence the centrality of our problems.

The evil that we identify as the foundational source of a problem is merely the canard for justification, and in the end, we don’t want it to go away, but to remain as fodder to fester as the legitimate basis of an illegitimate claim. But when it is a pervasive impurity, attached to the very essence of the composite aggregate, how do you get rid of it in the first place? Precision by surgical selection is an impossibility; to excise it is to kill the whole, as it touches upon a vital organ which cannot be separated from the rest and residue.

In the universe of metallurgy, it is the composite attachment, interaction and interchange between various alloys which form the basis of the science itself; each possesses a characteristic unique for its particular element, yet often share traits of similarities which allows for the technician to ply the trade of forming aggregations of multiple differences into a singularity comprised by many.

In the parallel universe of people, societies, civilizations and empires, that reflection of strength through unity of diversity is merely where artifice reflects the reality of nature. But when destructive criticism by pointing fingers at a misidentified source of impurity becomes the basis of a movement to change, then the crumbling nature of the whole begins to infect the fragile nature of each individual component, especially where independence from the other is no longer possible or practical. In the end, riddance of the debasing alloy may not be possible, and it is often too little too late to even bother attempting a surgical separation without doing harm to the whole.

For Federal employees and U.S. Postal workers who suffer from a medical condition, however, the impurity of the singular alloy can be identified as the job itself. It is “the job”, the position, the craft which once formed the basis of a productive “career”, but is now the impurity which harms and debases. No longer something to look forward to, but reduced to another of the stresses of life, a surgical excision becomes necessary, and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, becomes a necessity in and of itself, in order for the rest, residue and remainder to survive.

The choice to separate the “impurity” should not be a difficult one; and while riddance of the truly debasing alloy — the medical condition itself — may not be possible for the Federal or Postal employee suffering from a chronic medical condition, at least the “other” impurities of identified stresses may be circumspectly curtailed and separated, by the mere act of preparing, formulating and filing an effective Federal Disability Retirement application through OPM.

The cynic will scour each entry for just such an error of punctuation or misspelling, and declare that, indeed, the author’s own actions confirm such an event; the greater question, of course, is not that it occurred, but of what import or consequence.

There was a time, of just a few generations ago, where the number of noted authors, commentators and social giants measured by pen and ink, were counted by the hands of a single individual; now, with the diffuse pervasiveness which includes paper editions exponentially quantified by electronic media, as well as the vast array of blogs, comments and Internet “conversations” on Facebook, Twitter (who ever imaged that such a limited conceptual construct would be considered seriously in a political campaign; yet, on the other hand, the limitation of the numerical volume of words likely is proportional to the intellectual capacity of the user, as confirmed by current events), Instagram, etc.

From H.L. Mencken to Hemingway; of the age of Buckley and Vidal; the heyday of the wordsmith, replacing the blacksmith who had to work in the forge where life, the torturous heat of hell, and the reality of contending with trying to mold the harshness of nature’s metals, brought to the forefront the daunting task of trying to earn a day’s wages. But as the general rule is that quantity diminishes quality, and wider dissemination fails not to embody pervasive ignorance, so the collision of grammar and life occurs less with the advancement of technology and informational overload.

For Federal employees and U.S. Postal workers who must consider filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether the Federal employee or U.S. Postal worker is under FERS, CSRS or CSRS Offset, the primary focus in preparing, formulating and filing for Federal Disability Retirement benefits is in that “write-up” of one’s Statement of Disability as required by SF 3112A. That is, indeed, where grammar meets up with life, and the manner of prose, the punctuation advanced, and the words chosen, will all coagulate to present the force and ferocity of one’s evidentiary impact. If represented, the lawyer will likely include a “legal memorandum” arguing your case, as well, through legal citations and references to the statutory and case-law basis upon which the Federal Disability Retirement application should be approved.

In the end, life is rarely lived in a vacuum, and hermitages of yore when medieval fiefdoms were aplenty, no longer abound with plenitude of choices; and for the Federal or Postal employee who must contend with the bureaucratic morass of the U.S. Office of Personnel Management, the preparation of one’s Federal Disability Retirement application is indeed a time when the collision of grammar and life may well occur.

Seven False Myths about OPM Disability Retirement

1) I have to be totally disabled to get Postal or Federal disability retirement.
False: You are eligible for disability retirement so long as you are unable to perform one or more of the essential elements of your job. Thus, it is a much lower standard of disability.

2) My injury or illness has to be job-related.
False: You can get disability even if your condition is not work related. If your medical condition impacts your ability to perform any of the core elements of your job, you are eligible, regardless of how or where your condition occurred.

3) I have to quit my federal job first to get disability.
False: In most cases, you can apply while continuing to work at your present job, to the extent you are able.

4) I can't get disability if I suffer from a mental or nervous condition.
False: If your condition affects your job performance, you can still qualify. Psychiatric conditions are treated no differently from physical conditions.

5) Disability retirement is approved by DOL Workers Comp.
False: It's the Office of Personnel Management (OPM) the federal agency that administers and approves disability for employees at the US Postal Service or other federal agencies.

6) I can wait for OPM disability retirement for many years after separation.
False: You only have one year from the date of separation from service - otherwise, you lose your right forever.

7) If I get disability retirement, I won't be able to apply for Scheduled Award (SA).
False: You can get a Scheduled Award under the rules of OWCP even after you get approved for OPM disability retirement.